Speaking their language, young California bank reaches out to Latinos.(Pan American Bank F.S.B.)(Brief Article)

Pan American Bank hopes the rising tide of Spanish speaking immigrants to California will lift it to success.

The Northern California bank, resurrected after a troubled beginning, has opened its first Southern California office in a bid to serve the region's fast-growing immigrant population.

The San Mateo bank, with $160 million in assets, failed in its previous incarnation in 1992. A group of Hispanic businesspeople bought its remains from the Resolution Trust Corp.

Chief executive Lawrence J. Grill says demographics are on the bank's side. His new full-service office has bilingual materials, signs, and tellers. "In the past, for many Hispanics, going to …